The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$116,591
−HK$7,311/mo
▼ 0.25% · 3.875%
HK$120,218
−HK$3,684/mo
Today · 4.125%
HK$123,902
baseline
▲ 0.50% · 4.625%
HK$131,441
+HK$7,539/mo
Deposit HK$25.57M · loan HK$25.57M · min. income ≈ HK$247,804/mo (50% DSR)
Upfront cash ≈ HK$27.74M (deposit + AVD stamp duty HK$2,173,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,706
−HK$7,008/mo
▼ 0.25% · 3.875%
HK$133,185
−HK$3,529/mo
Today · 4.125%
HK$136,714
baseline
▲ 0.50% · 4.625%
HK$143,920
+HK$7,206/mo
Deposit HK$25.57M · loan HK$25.57M · min. income ≈ HK$273,428/mo (50% DSR)
Upfront cash ≈ HK$27.74M (deposit + AVD stamp duty HK$2,173,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,909
−HK$8,774/mo
▼ 0.25% · 3.875%
HK$144,261
−HK$4,422/mo
Today · 4.125%
HK$148,683
baseline
▲ 0.50% · 4.625%
HK$157,730
+HK$9,047/mo
Deposit HK$20.45M · loan HK$30.68M · min. income ≈ HK$297,366/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$2,173,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,648
−HK$8,409/mo
▼ 0.25% · 3.875%
HK$159,822
−HK$4,235/mo
Today · 4.125%
HK$164,057
baseline
▲ 0.50% · 4.625%
HK$172,704
+HK$8,647/mo
Deposit HK$20.45M · loan HK$30.68M · min. income ≈ HK$328,114/mo (50% DSR)
Upfront cash ≈ HK$22.63M (deposit + AVD stamp duty HK$2,173,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$163,227
−HK$10,236/mo
▼ 0.25% · 3.875%
HK$168,305
−HK$5,158/mo
Today · 4.125%
HK$173,463
baseline
▲ 0.50% · 4.625%
HK$184,018
+HK$10,555/mo
Deposit HK$15.34M · loan HK$35.79M · min. income ≈ HK$346,926/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$2,173,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,589
−HK$9,811/mo
▼ 0.25% · 3.875%
HK$186,459
−HK$4,941/mo
Today · 4.125%
HK$191,400
baseline
▲ 0.50% · 4.625%
HK$201,488
+HK$10,088/mo
Deposit HK$15.34M · loan HK$35.79M · min. income ≈ HK$382,800/mo (50% DSR)
Upfront cash ≈ HK$17.51M (deposit + AVD stamp duty HK$2,173,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$209,864
−HK$13,160/mo
▼ 0.25% · 3.875%
HK$216,392
−HK$6,632/mo
Today · 4.125%
HK$223,024
baseline
▲ 0.50% · 4.625%
HK$236,595
+HK$13,571/mo
Deposit HK$5.11M · loan HK$46.02M · min. income ≈ HK$446,048/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$2,173,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,471
−HK$12,614/mo
▼ 0.25% · 3.875%
HK$239,733
−HK$6,352/mo
Today · 4.125%
HK$246,085
baseline
▲ 0.50% · 4.625%
HK$259,057
+HK$12,972/mo
Deposit HK$5.11M · loan HK$46.02M · min. income ≈ HK$492,170/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$2,173,054 · Scale 2, in force from 26 Feb 2026)